Ramy Hindiyeh is a financial advisor at Finmentum LLC in Elk Grove, California, holding a Series 65 designation. He has prior work experience at Honeydev Inc. and Chevron, spanning over 20 years in total. Finmentum LLC is a fee-only advisory firm that provides comprehensive financial planning and discretionary investment management primarily to individuals and families, using a disciplined, long-term, and diversified approach with an emphasis on strategic asset allocation and tax efficiency.

Danielle Miura is a CFP® and holds a Series 66 license with four years of industry experience. She is the principal of Spark Financials LLC, an independent firm based in Elk Grove, CA. Prior to founding Spark Financials, she worked at West Care and attended California State University, Fresno. Outside of financial advising, she owns and operates Spark Tax LLC, providing tax preparation and consulting services. Spark Financials serves individual clients with customized financial planning and investment management, emphasizing a largely passive investment approach informed by modern portfolio theory. The firm also offers discrete consulting projects and tax services through an affiliated tax practice.

Malique Micenheimer is a financial advisor at WIN Private Wealth with 6 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including New York Life and Eagle Strategies. Outside of his advisory role, he is the founder and CFO of the Micenheimer Foundation, a nonprofit focused on community philanthropy. WIN Private Wealth is a fee-only registered investment adviser serving individuals, high-net-worth clients, charitable organizations, and businesses. The firm offers personalized investment management, financial planning, and educational seminars, employing a mix of active and passive strategies along with ESG portfolio options.

Bernard Gwandiku is a financial advisor at Gwan Global Services, Corp. with six years of industry experience. He holds a Series 65 credential and has been with Gwan Global Services since 2019. In addition to his advisory role, he has worked at UCSF Medical Center since 2005 and is involved in real estate marketing and sales as a licensed agent with Keller Williams Realty. Gwan Global Services, Corp. provides portfolio management and financial planning to individuals, high-net-worth clients, charitable organizations, and business entities. The firm employs a combination of fundamental, quantitative, technical, and modern portfolio theory analyses, offering both discretionary and non-discretionary management along with hourly financial planning services.

Albert Locy is the sole advisor at AL Locy Financial Services LLC in Lodi, CA, holding a Series 63 designation with three years of industry experience. He has operated AL Locy Financial Services since 1989. Outside of advising, he provides tax preparation services. AL Locy Financial Services LLC offers discretionary asset and portfolio management to individuals, high-net-worth clients, families, trusts, estates, and charitable institutions. The firm customizes investment strategies based on client goals and allows written investment restrictions without imposing formal account minimums.

John Mccann is a financial advisor at McCann Investment Management LLC with over 31 years of industry experience. He holds a Series 63 designation and previously worked at Oneamerica Securities, Inc. for 20 years. Outside of his advisory role, he serves as Head Elder at Lodi English Oaks Church and is involved as CFO and controller at Evokelife, Inc., as well as heading the board of the Lodi Educational Endowment Foundation. McCann Investment Management LLC provides discretionary asset management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, trusts, charitable institutions, and employer-sponsored plans. The firm builds investment programs tailored to clients’ goals, time horizons, and risk tolerance, using a combination of fundamental, cyclical, technical, and charting analysis, and offers ERISA plan services including limited-scope fiduciary consulting.

Jenny Jones Jr. is the sole advisor at The Jones Stewardship Group, LLC in Elk Grove, CA, holding Series 63 and Series 66 licenses with 19 years of industry experience. She has worked with the State of California since 2014 and has led her own firm since 2009. Outside of her advisory work, she is involved as a motivational speaker, teacher, coach, and counselor through her co-ownership of The Jones Educational Group LLC and serves as a consultant with The Win When Consulting Corp LLC. The Jones Stewardship Group serves a small client base including individuals, high-net-worth clients, businesses, charities, and small pension plans, providing financial planning, portfolio management, and assistance in selecting outside money managers. The firm’s investment approach focuses on fundamental analysis with tailored strategies across various asset types, and it offers both discretionary and non-discretionary account arrangements alongside a subscription-style ongoing monitoring service and educational workshops.

Larry Fong is the principal advisor at Mature Money Management, Inc. in Elk Grove, CA, with 18 years of industry experience and a Series 65 designation. He has operated his own insurance agency since 1978, dedicating a significant portion of his time to that business alongside his advisory work. Fong has managed Mature Money Management since 2007 and also maintains a separate insurance practice. Mature Money Management, Inc. provides personalized financial planning and discretionary investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm implements investment programs based on clients’ objectives and documented Investment Policy Statements, using fundamental, technical, and cyclical analysis, with ongoing portfolio management and coordination with other professionals as needed.

David Ehlert is a financial advisor with Arbor Family Wealth Advisors, Inc. based in Lodi, CA. He holds the ChFC® designation and has 41 years of industry experience. His prior work includes roles at M Advisory Group, M HOLDINGS SECURITIES, Inc., Arbor Family Wealth Advisors, Inc., and NEW YORK LIFE INSURANCE COMPANY. Outside of advisory work, he serves on the board of Duraflame, Inc., a manufacturer and seller of consumer products. Arbor Family Wealth Advisors provides financial assessment, comprehensive wealth management consulting, and project-specific implementation support primarily for high-net-worth individuals and their closely held companies. The firm focuses on high-level wealth planning through fixed consulting fees and typically refers clients to unaffiliated investment managers for portfolio implementation.

Timothy Higgs is the sole advisor at Delta Capital Management, holding a Series 65 designation with one year of experience at the firm. He has concurrently worked with the River Delta Unified School District since 2015. Delta Capital Management is a fee-only advisory firm providing subscription-based financial planning services to individuals, high-net-worth households, and businesses. The firm offers comprehensive planning and investment recommendations without managing client assets or charging fees based on assets under management.

David Worcester is a CFP® with eight years of industry experience and is the sole advisor at Aspire Advisory Services in Lodi, CA. He has been with Aspire Advisory Services since 1996. Aspire Advisory Services is an independent, state-registered, fee-only investment adviser that provides financial planning, ongoing consultation, and portfolio management to individuals, business clients, charitable institutions, and retirement plans. The firm emphasizes long-term investing using a primarily fundamental approach supplemented by technical analysis and manages about $61.2 million in client assets.

Kevin Stites is a CFP® professional with eight years of industry experience, currently serving at Stites Financial Consulting. He has previously worked at United Planners Financial Services and owns Stites Tax, a tax preparation and planning business. Additionally, he is an independent insurance agent licensed to sell life, health, disability, and long-term care insurance. Stites Financial Consulting is an SEC-registered advisory firm with two advisors managing approximately $105.2 million for individual, high-net-worth, and some corporate clients. The firm offers discretionary asset management and financial planning, using a combination of analytical methods and tailored strategies, and operates affiliated tax and insurance services alongside its advisory business.

Dennis Steinkamp is a financial advisor with Wulff, Hansen & Co. and holds a Series 63 designation. He has 37 years of industry experience, including roles at Wulff, Hansen & Co. since 1985 and McClurg Capital Corporation since 2017. In addition to his advisory work, he serves as a trustee for several family trusts and has recently assumed duties as a successor trustee for the Faulkner Trust. Wulff, Hansen & Co. provides investment management services to individuals, pension and profit-sharing plans, trusts, estates, and charitable institutions, focusing on relatively liquid publicly traded securities. The firm customizes investment recommendations primarily using fundamental and cyclical analysis with a long-term buy-and-hold approach.

Nicolas Santoyo is a financial advisor at Wulff, Hansen & Co. with three years of industry experience. He holds a Series 65 designation and previously worked at Farmers & Merchants Bank for six years. Wulff, Hansen & Co. provides ongoing investment management to individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, and charitable institutions. The firm customizes investment recommendations using fundamental and cyclical analysis with a long-term buy-and-hold approach, generally avoiding margin and speculative positions.

Nickie Dally is a financial advisor at Blueprint Investments and Tax Planning with 15 years of industry experience. She holds a Series 65 designation and has worked at firms including Hansen & Associates Financial Group, Cadger Tax and Financial, and Virtue Capital Management. In addition to her advisory roles, she is a consultant for National Gold Consultants, focusing on gold and silver sales and marketing. Blueprint Investments and Tax Planning is an independent, state-registered firm serving individuals, small businesses, trusts, and charities. The firm offers discretionary model portfolio management and financial planning that incorporates tax and cash-flow analysis, utilizing a top-down investment approach with a range of portfolio strategies tailored to client risk tolerance and objectives.

Shawn Stites is a financial advisor with Stites Financial Consulting in Wilton, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked at United Planners and Securities Service Network prior to joining Stites Financial Consulting in 2018. Outside of advisory services, he owns an insurance business specializing in life, health, disability, and long-term care products. Stites Financial Consulting is an SEC-registered firm with two advisors managing approximately $105 million for individual, high-net-worth, and some corporate clients. The firm offers discretionary asset management and financial planning, combining fundamental, technical, and quantitative analysis with modern portfolio theory, and maintains related insurance and tax services through affiliated businesses.

Oscar Sasson is a financial advisor with Valley Wealth Strategies, LLC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at LPL Financial, National Planning Corporation, and has maintained a long-standing affiliation with Zuk & Associates. Sasson provides investment advisory services through Valley Wealth Strategies, an independent advisory firm. Valley Wealth Strategies, LLC serves individuals, families, trusts, estates, small businesses, charitable organizations, and retirement plans, offering customized investment management and financial planning. The firm employs a primarily long-term investment approach while incorporating fundamental, technical, and cyclical analysis, managing approximately $1.2 billion in assets with a significant portion managed on a non-discretionary basis.

Paula Key is a CFP® and Series 66 licensed financial advisor with 40 years of industry experience. She is affiliated with Valley Wealth Strategies, LLC and has held prior roles at LPL Financial LLC and National Planning Corporation. Outside of her advisory work, she is involved with Intercontinental Drift, LLC, a company engaged in grape sales and wine production through Sangfroid Vineyards. Valley Wealth Strategies, LLC serves individuals, families, trusts, estates, small businesses, charitable organizations, and retirement plans by providing customized investment management and financial planning services. The firm employs a primarily long-term investment approach, incorporating fundamental, technical, and cyclical analysis, and manages approximately $1.2 billion in assets with a notable portion managed on a non-discretionary basis.

Grant De Andreis is an advisor with Valley Wealth Strategies, LLC, holding Series 63 and Series 66 licenses. He has held positions at LPL Financial, Merrill Lynch, Citizens Business Bank, and Bank of Stockton. Grant previously worked at the University of California Los Angeles and Twin Arbors Tennis Club. Valley Wealth Strategies advises individuals, families, trusts, estates, small businesses, charitable organizations, and retirement plans, providing customized investment management, financial planning, and retirement-plan advisory services. The firm employs a primarily long-term investment approach that incorporates fundamental, technical, and cyclical analysis and manages approximately $1.2 billion in assets under management.

Daniel Raymond is a CFP® professional with 23 years of experience in the financial services industry. He is currently associated with Valley Wealth Strategies, LLC and has previously worked at LPL Financial LLC and National Planning Corporation. Outside of his advisory role, he owns and operates a farm business involved in the sale of agricultural products and land rentals. Valley Wealth Strategies, LLC provides customized investment management, financial planning, and retirement-plan advisory services to individuals, families, trusts, small businesses, and charitable organizations. The firm employs a primarily long-term investment approach supplemented by fundamental, technical, and cyclical analysis, managing approximately $1.2 billion in assets with a significant portion on a non-discretionary basis.